Okay, I died. I'll have to abandon this game after this, but I've decided to save-scum until I've figured out how to do this. Here's the problem. As you say, there's no difficulty killing warriors, but women and children make it impossible. They move at super-speed, faster than I can run. That means it's impossible to flee, ever, once the first child or woman appears. They're hard to hit. There were two warriors at the back, three woman, and a child. When I realized the women and child moved faster than I could, I stopped backing away and tried to shoot their legs. I got one woman, but then got swarmed by two women and a child. I put away my bow and pulled my axe. I have 70 dodge, but their constant attacks kept wearing me down. I tried to keep moving backwards to stay away from the warriors, but the woman and child kept knocking me down. The child crippled one eye with a rock. By this point I was down -70% from injuries and the warriors curbstomped me.
My throat is sore from cursing and screaming at my monitor. I decided to go through the old forum and the Steam threads, and I see a lot of other people have been complaining that combat is just too random. Even with top of the line equipment and maxed-out skills, it comes down to luck. There's really no way to predict the outcome of combat. And as others have observed, that's a pretty critical flaw for a roguelike. I don't mind tough or even unfair, but random dice-rolling determining the outcome of battle isn't something I want in a roguelike where I'm sinking a couple of hundred hours into a game. The problem here is that women and children are super-fast and have a high dodge. They don't hit hard, but they hit often. This cripples archery and makes melee a losing proposition because, while their attacks can't penetrate my armour, they keep getting criticals which knock me down or cause my weapon to fall or cripple a body part. I don't think it was the dev's intention to make children the most fearsome enemies in the game. Seriously, I'd rather face a bear than a child, since I can at least reliably hit a bear.
Advice? I'm thinking of maybe putting URW away at this point.
Edit: In one posting, Sami says that combat in URW is based on the Harn combat system. I remember trying Harn and hating it for exactly the same reason I've having problems with URW: it came down to whomever happened to roll the first crippling injury. The first time I had a character cut off his own nose with a bow, I refused to keep playing. I remember sitting down and working out the statistics and realizing that if you had a wall full of 500 archers, you'd have archers stumbling and falling off the wall with every volley. All you'd need to defeat a defending army is wait for their archers to fall off and die or cut off their own noses and fingers.